FHA rate impact
Hoper FHAKeep the same low FHA rate
Traditional DPAMay increase borrower rate
Hoper - the new way to FHA
HOPER WITH HYRUM WEBINAR
A practical partner webinar to learn if the Hoper Program is a good fit for your FHA buyers.
Wednesday, August 19, 2026 at 4:00 PM Eastern Time (ET)
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A cleaner FHA conversation
Why Partners Are Paying Attention
Hoper is designed to help partners solve common FHA buyer barriers without the usual second-lien or higher-rate tradeoffs.
$0
Potential funds
0.0%
Assistance up to
0
Streamline refi possible in as soon as 6 months
Program fit and timing depend on borrower, property, lender, and file-specific eligibility.
Webinar agenda
You Will Learn
A focused session for partners and loan officers who want to understand whether Hoper belongs in their FHA buyer toolkit.
What is Hoper? (5 min)
A program for FHA buyers to receive 3.5% up to $13,000 for their home buying needs, including down payment, debt payoff, rate buydown, or reserve replenishment.
Why choose Hoper? (10 min)
Loan limitations that Hoper removes, DPA comparison with low FHA, no repayment, no second lien, streamline refinance potential, debt payoff, attracting more buyers, marketing tools, preserving commission, and borrower-paid structure.
How it works (8 min)
FHA SWT Policy: The FHA Solar and Wind Technologies policy allows borrowers to finance the cost of purchasing and installing new solar or wind energy systems by rolling expenses directly into the base FHA mortgage during a purchase or refinance, up to 20% of the home's appraised value. Appraisal is only required for the original purchase price. Same down payment.
How to get started (5 min)
Email Hyrum general file info: buyer name, property address, purchase price, credit, and income. Hyrum confirms eligibility with the loan officer, connects with the home buyer to discuss the program, then the Hoper team sends next-step documents and facilitates the first enrollment to make the loan officer’s experience smooth and easy.
Low FHA rate, no second lien, cleaner refinance path
Hoper Compared to Traditional DPA
Use this comparison during the webinar to understand why many loan officers are switching to Hoper for first-time buyers.
| Feature | Hoper FHA | Traditional DPA |
|---|---|---|
| FHA rate impact | Keep the same low FHA rate | May increase borrower rate |
| Second lien | IncludedNo second lien | LimitedOften required |
| Repayment structure | No standard DPA repayment structure | Varies by program |
| Use of funds | Down payment, debt payoff, rate buydown, reserves, and eligible needs | Often limited to down payment |
| Refinance flexibility | Streamline refinance in as soon as 6 months where eligible | Can be limited by lien or program rules |
| Loan officer economics | Designed to preserve commission | Can create program or pricing tradeoffs |
Second lien
Hoper FHAIncludedNo second lien
Traditional DPALimitedOften required
Repayment structure
Hoper FHANo standard DPA repayment structure
Traditional DPAVaries by program
Use of funds
Hoper FHADown payment, debt payoff, rate buydown, reserves, and eligible needs
Traditional DPAOften limited to down payment
Refinance flexibility
Hoper FHAStreamline refinance in as soon as 6 months where eligible
Traditional DPACan be limited by lien or program rules
Loan officer economics
Hoper FHADesigned to preserve commission
Traditional DPACan create program or pricing tradeoffs
Partner-focused, file-first guidance
Hosted by Hyrum
Hyrum will walk through the program mechanics, the FHA SWT policy, the partner opportunity, and the simple file information needed to confirm whether a buyer may be a fit.
- Bring questions about FHA buyers, debt payoff, DPA comparisons, and streamline refinance timing.
- Have a sample file ready if you want to understand the get-started workflow.
- Ideal for loan officers and partners helping first-time buyers get into a home.
Reserve your spot for Wednesday 6/24 at 1:00 PM MST
Ready to see if Hoper fits your buyers?
Register for the webinar and learn how to send Hyrum a file for eligibility review.